Taking Money Management Seriously

Discover The Potential for Profit in Any Market

We have several portfolios to choose from. Each have different strategies and risk. However, each portfolio was designed with risk reduction in mind when held through an entire market cycle, expansion and recession. With this uncertain world we live in, we wanted money managers in place for our clients that could potentially be profitable in times of crisis, such as a terrorist attack, a precursor to war, a currency crisis, or any other crisis that could drive the stock market down, along with the potential for decent profits in good times.

Our Goals for You Are Simple

In these uncertain times many things can happen that can have an effect on your portfolio, we have set four main goals when managing your money:

1st Goal: To make a decent profit for you in good markets

Most anyone can make money in good markets.  However, it is our goal to keep you in the best and most consistent funds, and the best and most consistent strategies, giving you the potential for market beating returns.

2nd Goal : To limit losses and preserve capital in down markets

No advisor (or investor) can prevent all losses. However, the  goal for any successful investment strategy should be to limit or reduce your losses. While smaller losses can usually be made up rather easily, it is far too difficult to make up for large losses. It only takes an 11.11% gain to make up for a 10% loss, but it takes a 42.86 % return to make up for a 30% loss, and it gets even worse from there. For this reason we believe it is more important to avoid large losses than to pursue large gains. We believe this strategy will produce the best and most consistent returns over a period of years, and allow our clients to stick with their investing strategies, which in turn increases the likelihood of investing success. We believe if we manage risk first, the rewards will come.

3rd Goal: To make a profit in prolonged market downturns

Our third goal is to potentially profit in all types of economic environments over the long term. On occasions, we will take our lumps along with everyone else when the markets make their inevitable short term corrections. However, if a short term correction turns into a medium or long turn downtrend we have selected fund managers that have the ability to make adjustments to their portfolios and have the ability to reduce exposure to stocks and increase exposure to sectors outside the stock market enhancing the potential of positive returns during economic downturns.

4th Goal : To outperform the general market over an entire cycle

Our final goal is to outperform the general market indexes, not every year, but over an entire market cycle ... expansion and recession. When you combine our first three goals of making a good profit in up markets, to limit losses and preserve capital in down market, and to potentially profit from medium to long term downturns in the market, we believe the true worth of our Portfolios will be realized by our investors if their investment is held through an entire market cycle. 

You must be informed as an investor or potential investor that these are only our goals, and nothing can be guaranteed in securities. These goals are set forth by the money managers and there can be no assurance that goals will be met. Past performance cannot be used as an indication of future performance. Investing involves risk and you may receive more or less than the amount you invested when redeeming shares.

Armored Portfolios are also Great for your  IRA Accounts as well as  401(k) Rollover Accounts!
 

Diversified Allocation Strategies

Armored World Portfolio - Fact Sheet

Armored Balanced I Portfolio - Fact Sheet

Armored World & Armored Balanced I Portfolio

View fact sheet for Category, Investment Goal, Investment Strategy and Risk information as well as Hypothetical & Real-Time quarterly results for this balanced portfolio.

Category:  Armored World & Armored Balanced I consists of 100% conservative, moderate, and world allocation strategies. The Armored World & Armored Balanced I Portfolios are highly diversified portfolios of stocks, bonds, cash, currency, and commodities, domestic and international.

Investment Goal:  To reduce potential volatility and increase the potential for consistent positive annual returns.

Investment Strategy:  The Armored World & Armored Balanced I Portfolios seek to provide much lower risk and more consistent performance than a stock mutual fund portfolio by investing in funds that contain stocks, bonds, cash, currency, and commodities, domestic and international. The portfolio is designed for investors that want to invest in the stock and bond markets, but desire smoother returns and less volatility.

Investment Risk:  While our managers strive to reduce risk through diversification, there will be periods of negative returns in the overall portfolio. Investing involves risk. You may receive more or less than the amount invested when redeeming shares.

Balanced Strategy

Armored Balanced Portfolio - Fact Sheet

Armored Balanced Portfolio

Category:  The Armored Balanced Portfolio is a long only strategy consisting of 100% conservative, moderate, and world allocation balanced strategies.

Investment Goal:  To reduce volatility and substantially reduce risk and losses when compared to most major indexes. To provide more consistent returns than the average balanced portfolio.

Investment Strategy:  The Armored Balanced Portfolio seeks to provide much lower risk and more consistent performance than a stock mutual fund portfolio by investing in funds that contain stocks, bonds, and/or cash. The portfolio is designed for investors that want to invest in the stock and bond markets, but desire smoother returns.

Investment Risk:  The Armored Balanced Portfolio strives to reduce losses and smooth out annual portfolio returns through diversification in the form conservative, moderate and world allocation balanced strategies. There will be periods of negative returns in the overall portfolio. Investing involves risk. You may receive more or less than the amount invested when redeeming shares.

How to Check the Background of your Advisor

Resources from the FINRA and the California Department of Corporations

Royal American Financial Advisors Form ADV Part II

Royal American Armored Portfolio Advisory Agreement

Royal American Risk Disclosures

This website is currently designed for use by CALIFORNIA RESIDENTS ONLY.

Past performance may not be indicative of future results. Therefore, no current or prospective client should assume that future performance of any specific investment, investment strategy (including the investments and/or investment strategies recommended and/or purchased by adviser), or product made reference to directly or indirectly on this Website, or indirectly via link to any unaffiliated third-party Website, will be profitable or equal to corresponding indicated performance levels.

Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment will either be suitable of profitable for a client's investment portfolio. No client or prospective client should assume that any information presented and/or made available on this Website serves as the receipt of, or a substitute for, personalized individual advice from the advisor, or any other investment professional. Affiliated, or unaffiliated solicitors are not permitted to provide investment advice on behalf of Royal American.

Historical performance results for investment indexes and/or categories generally do not reflect the deduction of transaction and/or custodial charges, or the deduction of advisory/investment management fees, the incurrence of which would have the effect of decreasing historical performance results.

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